I'm a bit curious as to why it matters to you that your level exceeds the dragon's. Wouldn't it work just as well, if not better lore-wise, to have to over-equip yourself for a dragon?
There's nothing in the lore that excludes levels.
I think making it so enemy levels are always at least on par with player levels but letting us adjust our relative strength to them with better or worse equipment is a more elegant solution. Because right now, as a person who doesn't like to overlevel things, the only thing I can do to maintain the game difficulty is to either not play a large portion of the game or intentionally use very weak equipment.
If level scaling is a solution, then I think a better solution is to give everything a static level, including the PC. Then, yes, gear (and character creation) would make all the difference.
Then how do you deal with things like Iron Bull, a famed mercenary captain, coming into your party at a fraction of his potential strength? Or Varric, who's been adventuring with Hawke for years, having almost no archery techniques until he trains up a bit more?
Bull isn't a problem, because there's no requirement that a leader be high level.
Varric is more of a problem, but that's an argument against having returning characters (I made the same argument when ME2 came out). Or to have shallower power curves in each game (like BG).
Or, as in your example, a character going from having absolutely no chance of being able to kill a dragon to doing so handily after slaying a few dozen more bandits?
Which is why I would like slower levelling.
I'm not claiming that DAI is the perfect game. I just think your fixes push it in the wrong direction.
If you really think about them, things like these are far less story-friendly than scaling enemies. In fact, doesn't it actually make more story sense for enemies to gain experience as your character does?
Things either make sense or they don't. Accepting some nonsensical mechanics doesn't make others any better. We should strive to eliminate all of them.
I argue against this one because it has broad support, and I think it's important to dissent in the face of homogeneity.